Low risk: national debt, insurance, deposits, bank wealth management products and money funds. Generally speaking, treasury bonds, deposits and money funds are basically risk-free, so just put the money in. Insurance products are divided into investment-linked (dividend-sharing) and pure protection. It is recommended not to earn too much money by insurance, and the income from insurance must be lower than that from financial management. If you want to buy it, you should buy bank wealth management products with pure capital preservation, capital preservation, non-capital preservation, floating income, capital preservation income, open and semi-open, which can be selected according to your own needs, and the risk is generally low.
Medium and low risk: bond funds and fixed investment funds. The fixed investment of the fund can be properly involved in the current low overall valuation. Long-term fixed investment can force the accumulation of funds, and second, it can smooth the fluctuation of income and enjoy the dividend of the overall rise of the stock market. For those who have a fixed income every month, you can consider the fixed investment of the fund.
Medium risk: equity funds, P2P financing, trust financing, gold and real estate. Equity funds have certain market volatility and are suitable for people with market investment experience to participate. Internet finance, such as P2P financial management, can be properly involved in order to obtain higher returns, but we must find a formal and guaranteed platform and avoid blindly pursuing high returns! Trust financing has been a rigid payment before, and the income is high, with an annual income of around 9%. However, the investment threshold of trust is still relatively high, and several recent defaults have broken the rigid redemption, which has certain investment risks. Gold speculation can be done by people who have an investment foundation and can understand the trend of the world economy, especially the trend of the US economy and the US dollar. Generally speaking, investment is not recommended. Real estate used to be a high-yield and low-risk asset in China, but times have changed. In some cities with big bubbles, the risks cannot be ignored.
High risk: stocks, foreign exchange, futures, equity investment. These four types of investments need a high market level, and ordinary people should not allocate too much proportion on them. The risk of stocks and foreign exchange is relatively small, while the risk of futures and equity investment is great. If the market is wrong, or the enterprise is wrong, it is likely that the principal will not be left. However, it is undeniable that high-level investors can also make the first bucket of gold by this, and their abilities are different. This is another advertisement for internet finance. With a little spare money, you can properly participate in some projects similar to equity crowdfunding.
Aggressive: high risk 45%, medium risk 30%, medium and low risk 20%, and the last 5% deposits and money funds guarantee liquidity.
Steady growth type: high risk 20%, medium risk 20%, medium and low risk 50%, deposit and money fund 10%.
Conservative type: high risk 0%, medium risk 20%, medium and low risk 70%, deposit and money fund 10%.
Strong funds: Guo Futianyi, China market selection, investment advantage, investment alpha, Jing Shun Great Wall domestic demand growth, E Fund strategy, industrial trend, investment growth, etc.
You can wait for the market to stabilize and then take the opportunity to intervene.